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Prime Insurance Company
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Prime Insurance Company
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Artisan Contractors

As an artisan contractor, you’re looked to as an expert in the field!


Artisan Contractors face a wide range of risks depending on the trade and scope of work. From electrical hazards and roofing falls to property damage and payment disputes, the right insurance coverage is essential to protect both the contractor and their business. With over 150,000 Americans seeking medical treatment each year due to roofing-related accidents alone, the need for specialized liability coverage is more urgent than ever.

Lawsuits involving artisan contractors are becoming increasingly common. Unlike traditional employees, artisan contractors often operate independently, and their employers are typically not held vicariously liable for their actions. This makes it critical for contractors to carry their own insurance—and for agents to place them with a carrier that understands their unique exposures.

That’s where Prime Insurance Company comes in. We offer a comprehensive specialty liability solution tailored to the needs of artisan contractors. Our all-in-one approach provides agents direct access to experienced underwriters, claims professionals, and risk managers to help craft the most appropriate coverage for each insured.

Ideal Accounts and Trades We Cover

We work with a wide variety of artisan contractors, including but not limited to: • Plumbers
• Electricians
• Carpenters
• Roofers
• Masons
• Landscapers
• Drywall Installers
• Paving Contractors
• And many more
Whether your client is a solo contractor or manages a small crew, we can help design a policy to meet the unique exposures of their trade.

Coverage Highlights and Advantages

Key coverages available include: • General Liability
• Builders Risk
• Commercial Auto *Not available in NY
• Heavy Equipment
• Coverage in all 50 states
*Please note: Workers' compensation is not offered as part of this program.

We specialize in hard-to-place risks and unique exposures. Whether the insured has a complex loss history or operates in a high-risk trade, our team will work with you to find solutions.

Underwriting Approach

Our underwriting team evaluates each risk on its own merits. No two artisan contractors are the same, and neither are our policies. We’re flexible, solution-focused, and committed to helping agents find placement for clients who may not fit the standard market.

Territories and Availability

This program is available in all 50 states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.

Why Work With Prime Insurance Company?

Prime Insurance Company is a direct carrier with a strong track record of supporting artisan contractors and the agents who serve them. We offer:
  • Custom coverage for high-risk and unique contractor classes
  • Direct access to underwriting, claims, and risk management teams
  • Non-admitted solutions available in all 50 states
  • Responsive service and quick turnaround on submissions

Whether your client is a first-time contractor or a veteran with a challenging risk profile, Prime Insurance Company has the tools and experience to help you place the business.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for small to mid-sized artisan contractors such as roofers, electricians, plumbers, landscapers, and similar trades, especially those with challenging risk profiles or unique operations.

Is coverage available nationwide?

Yes, the Artisan Contractors program is available in all 50 states. Commercial Auto coverage is offered in most states but is not available in New York.

Does this program include workers’ compensation coverage?

No, workers' compensation coverage is not included or offered through this program.

Can I place business for contractors with prior claims or losses?

Yes, Prime Insurance Company considers accounts with prior loss history and works with agents to find solutions for harder-to-place risks.

What types of vehicles can be covered under the Commercial Auto option?

The Commercial Auto coverage can include vehicles used for business operations, but availability and eligibility depend on the state and the specific risk. Note that this option is not available in NY.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    -
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

One South Dearborn, Suite 800
Chicago, IL 60603
312-884-5813
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Prime Insurance Company has other insurance programs like Aviation Liability Insurance.